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	<title>Your Smart Money Moves &#187; Featured Articles</title>
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	<link>http://www.yoursmartmoneymoves.com</link>
	<description>oXYGen Financial - Your Smart Money Moves - Financial Resource Blog</description>
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		<title>Cleveland: Your Biggest Business Mistake Ever</title>
		<link>http://www.yoursmartmoneymoves.com/2010/07/20/cleveland-your-biggest-business-mistake-ever/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/07/20/cleveland-your-biggest-business-mistake-ever/#comments</comments>
		<pubDate>Tue, 20 Jul 2010 21:13:22 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[3 day Grand Prix Event of Cleveland]]></category>
		<category><![CDATA[46 years without a championship]]></category>
		<category><![CDATA[a football team leaving in the middle of the night]]></category>
		<category><![CDATA[and now the prodigal son LeBron James has left]]></category>
		<category><![CDATA[Casino Business]]></category>
		<category><![CDATA[cities like Cleveland]]></category>
		<category><![CDATA[City Of Canton]]></category>
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		<category><![CDATA[Giant Pool]]></category>
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		<category><![CDATA[high unemployment]]></category>
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		<category><![CDATA[Lebron James]]></category>
		<category><![CDATA[Mistake by the lake]]></category>
		<category><![CDATA[Mistake On The Lake]]></category>
		<category><![CDATA[N Roll Hall]]></category>
		<category><![CDATA[Nd Row]]></category>
		<category><![CDATA[no growth]]></category>
		<category><![CDATA[On The Waterfront]]></category>
		<category><![CDATA[Quicksand]]></category>
		<category><![CDATA[Rock N Roll]]></category>
		<category><![CDATA[Rock N Roll Hall]]></category>
		<category><![CDATA[Rock N Roll Hall Of Fame]]></category>
		<category><![CDATA[Season Ticket Holders]]></category>
		<category><![CDATA[Sellout Crowd]]></category>
		<category><![CDATA[Stagnation]]></category>
		<category><![CDATA[State Of Ohio]]></category>
		<category><![CDATA[the leaders of cleveland]]></category>
		<category><![CDATA[the mistake on the lake]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1447</guid>
		<description><![CDATA[There are no leaderless societies, and generally leaders of failing societies have a difficult time accepting the responsibility for the actions they take to create the outcomes they have received.   This is squarely where the ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2010/07/20/cleveland-your-biggest-business-mistake-ever/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Lock Stamp Prices In ‘Forever’</title>
		<link>http://www.yoursmartmoneymoves.com/2010/07/15/lock-stamp-prices-in-%e2%80%98forever%e2%80%99/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/07/15/lock-stamp-prices-in-%e2%80%98forever%e2%80%99/#comments</comments>
		<pubDate>Thu, 15 Jul 2010 13:49:29 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[Aams]]></category>
		<category><![CDATA[Advisory Services Inc]]></category>
		<category><![CDATA[Awma]]></category>
		<category><![CDATA[Cfo]]></category>
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		<category><![CDATA[Cost Of A First Class Stamp]]></category>
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		<category><![CDATA[How Do I Get A Good Home Inspection]]></category>
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		<category><![CDATA[January 2nd]]></category>
		<category><![CDATA[Jenkin]]></category>
		<category><![CDATA[Knowledgeable Professionals]]></category>
		<category><![CDATA[Load up on Forever stamps]]></category>
		<category><![CDATA[lock in your stamp prices]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[raising stamp prices effective January 2nd]]></category>
		<category><![CDATA[Silent Killer]]></category>
		<category><![CDATA[Stamp Prices]]></category>
		<category><![CDATA[Staples]]></category>
		<category><![CDATA[States Postal Service]]></category>
		<category><![CDATA[Summer Time Wines]]></category>
		<category><![CDATA[Ted Jenkin co-CEO and Founder of oXYGen Financial]]></category>
		<category><![CDATA[the cost of a first-class stamp]]></category>
		<category><![CDATA[United States Postal Service]]></category>
		<category><![CDATA[Usps]]></category>
		<category><![CDATA[Who pays the bills: MEN or WOMEN?]]></category>
		<category><![CDATA[Y Generation]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1434</guid>
		<description><![CDATA[With any overall financial plan, the one silent killer  people often leave out is inflation.      Especially when it comes to the actual cost of buying your basic staples  like groceries, gas, and ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Who pays the bills: MEN or WOMEN?</title>
		<link>http://www.yoursmartmoneymoves.com/2010/07/08/who-pay-the-bills-men-or-women/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/07/08/who-pay-the-bills-men-or-women/#comments</comments>
		<pubDate>Thu, 08 Jul 2010 14:43:18 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[5 Financial Questions To Ask Yourself Right Now]]></category>
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		<category><![CDATA[Bill Payment]]></category>
		<category><![CDATA[bills by paper check]]></category>
		<category><![CDATA[Consumer Insights]]></category>
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		<category><![CDATA[My Mom knows Car Rentals!]]></category>
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		<category><![CDATA[Planning Firm]]></category>
		<category><![CDATA[taking care of the financial bills]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[the future business of mobile banking]]></category>
		<category><![CDATA[The Marketing Workshop]]></category>
		<category><![CDATA[Wage Earner]]></category>
		<category><![CDATA[What If I Need A Cash Advance?]]></category>
		<category><![CDATA[Wom]]></category>
		<category><![CDATA[X Clients]]></category>
		<category><![CDATA[You Don’t Need 3D TV]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1413</guid>
		<description><![CDATA[The great debate has gone  on for years.   Who really handles the  money in the home.   Is it the man or the  woman in the home who ends up taking care of ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2010/07/08/who-pay-the-bills-men-or-women/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Summer Time Wines</title>
		<link>http://www.yoursmartmoneymoves.com/2010/06/28/summer-time-wines/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/06/28/summer-time-wines/#comments</comments>
		<pubDate>Mon, 28 Jun 2010 14:04:14 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[Money Saving Ideas]]></category>
		<category><![CDATA[Advisory Services Inc]]></category>
		<category><![CDATA[Cabernet Sauvignon]]></category>
		<category><![CDATA[California Zinfandel]]></category>
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		<category><![CDATA[chicken or white meat dishes wine]]></category>
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		<category><![CDATA[compatible wine with light summer fare]]></category>
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		<category><![CDATA[Flavors]]></category>
		<category><![CDATA[Gabbiano The Venezie]]></category>
		<category><![CDATA[Grilled Shrimp]]></category>
		<category><![CDATA[grilled shrimp and pineapple salsa]]></category>
		<category><![CDATA[http://uniteddistinc.net/]]></category>
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		<category><![CDATA[Light Straw]]></category>
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		<category><![CDATA[The Top 10 Travel Websites]]></category>
		<category><![CDATA[the X and Y Generation]]></category>
		<category><![CDATA[TOP 10 Atlanta LATE NIGHT Restaurants]]></category>
		<category><![CDATA[traditional Georgia barbeque wine]]></category>
		<category><![CDATA[True Latitudes]]></category>
		<category><![CDATA[United Distributors]]></category>
		<category><![CDATA[Washington State Riesling]]></category>
		<category><![CDATA[wine in the Summer]]></category>
		<category><![CDATA[Wine Lover]]></category>
		<category><![CDATA[Y Generation]]></category>
		<category><![CDATA[You Don’t Need 3D TV]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1389</guid>
		<description><![CDATA[Summer Time and the sippin is  easy!  During the long summer days and  nights several wines become instant hits because they are crisp, refreshing,  low in alcohol and seriously delicious.   In ...]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Top 10 Top 10 Questions to ask your Accountant</title>
		<link>http://www.yoursmartmoneymoves.com/2010/06/24/top-10-top-10-questions-to-ask-your-accountant/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/06/24/top-10-top-10-questions-to-ask-your-accountant/#comments</comments>
		<pubDate>Thu, 24 Jun 2010 14:53:02 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[oXYGenFinancial Top Tens]]></category>
		<category><![CDATA[Accountant]]></category>
		<category><![CDATA[advice on tax strategy]]></category>
		<category><![CDATA[Advisory Services Inc]]></category>
		<category><![CDATA[Are you a CPA]]></category>
		<category><![CDATA[Broker Dealer]]></category>
		<category><![CDATA[Crpc]]></category>
		<category><![CDATA[Dealer Member]]></category>
		<category><![CDATA[Do you work with any small business owners]]></category>
		<category><![CDATA[Financial Advice]]></category>
		<category><![CDATA[Free Consultation]]></category>
		<category><![CDATA[have been audited by the IRS]]></category>
		<category><![CDATA[Informal Relationships]]></category>
		<category><![CDATA[Insurance Policies]]></category>
		<category><![CDATA[Investacorp]]></category>
		<category><![CDATA[Irs]]></category>
		<category><![CDATA[Kile Lewis]]></category>
		<category><![CDATA[Knowledgeable Professionals]]></category>
		<category><![CDATA[Late Night]]></category>
		<category><![CDATA[licensed to offer any financial products]]></category>
		<category><![CDATA[Most Overlooked Tax Deductions]]></category>
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		<category><![CDATA[Related Articles]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1371</guid>
		<description><![CDATA[
How long  have you been in practice?  Are you a  CPA?
Will you or  someone else in your firm be working on my situation?
Do you have  a specialty?
Are you  licensed to ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2010/06/24/top-10-top-10-questions-to-ask-your-accountant/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>What If I Need A Cash Advance?</title>
		<link>http://www.yoursmartmoneymoves.com/2010/06/09/what-if-i-need-a-cash-advance/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/06/09/what-if-i-need-a-cash-advance/#comments</comments>
		<pubDate>Wed, 09 Jun 2010 13:11:51 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[5 Financial Questions To Ask Yourself Right Now]]></category>
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		<category><![CDATA[atlanta]]></category>
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		<category><![CDATA[The Stock Market Crash Of 2010]]></category>
		<category><![CDATA[Top 10 Credit Card Comparison Resource Sites]]></category>
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		<category><![CDATA[www.cashnetusa.com]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1320</guid>
		<description><![CDATA[It  is never fun being behind on paying your bills.   With more and more people living paycheck to paycheck, we often get the  question, “what happens if I need money in a ...]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Problem – or a PROBLEM!</title>
		<link>http://www.yoursmartmoneymoves.com/2010/06/08/problem-%e2%80%93-or-a-problem/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/06/08/problem-%e2%80%93-or-a-problem/#comments</comments>
		<pubDate>Tue, 08 Jun 2010 13:37:25 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[assessment of all my insurance coverage]]></category>
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		<category><![CDATA[Medical Issues]]></category>
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		<category><![CDATA[solution other than drilling a relief well]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1332</guid>
		<description><![CDATA[As I sit this weekend and read more  about the oil spill in the Gulf, it becomes more and more apparent to me they  really don’t have a solution other than drilling a ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Reminiscing About The TV Dinner</title>
		<link>http://www.yoursmartmoneymoves.com/2010/05/25/reminiscing-about-the-tv-dinner/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/05/25/reminiscing-about-the-tv-dinner/#comments</comments>
		<pubDate>Tue, 25 May 2010 13:24:59 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1309</guid>
		<description><![CDATA[With  all of these reality TV shows pretty much filling up network and cable stations  alike, I was wondering if they would ever bring back really good cheesy TV that  I saw ...]]></description>
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		<title>Out Of Mind Out Of Sight</title>
		<link>http://www.yoursmartmoneymoves.com/2010/05/20/out-of-mind-out-of-sight/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/05/20/out-of-mind-out-of-sight/#comments</comments>
		<pubDate>Thu, 20 May 2010 13:30:42 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1300</guid>
		<description><![CDATA[What is the easiest way to build your personal wealth?   Get a systematic savings plan that is out of  mind out of sight.  In almost 20 years of  giving personal financial advice, I ...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Smart Financial Moves After A Divorce</title>
		<link>http://www.yoursmartmoneymoves.com/2010/05/17/smart-financial-moves-after-a-divorce/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/05/17/smart-financial-moves-after-a-divorce/#comments</comments>
		<pubDate>Mon, 17 May 2010 12:44:30 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1294</guid>
		<description><![CDATA[Divorce  is one of those life events that may be one of the most difficult transitions  any person has to make.  Some of the  divorces end up amicably, while others end up ...]]></description>
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		<slash:comments>4</slash:comments>
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		<item>
		<title>The Stock Market Crash Of 2010</title>
		<link>http://www.yoursmartmoneymoves.com/2010/05/11/the-stock-market-crash-of-2010/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/05/11/the-stock-market-crash-of-2010/#comments</comments>
		<pubDate>Tue, 11 May 2010 13:55:32 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1280</guid>
		<description><![CDATA[I don’t buy it. I’m sorry, but I just don’t buy what I have been reading about this recent blip in the stock market that everyone has been talking about across the country. I believe that within ...]]></description>
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		<slash:comments>3</slash:comments>
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		<item>
		<title>You Don’t Need 3D TV</title>
		<link>http://www.yoursmartmoneymoves.com/2010/05/04/you-don%e2%80%99t-need-3d-tv/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/05/04/you-don%e2%80%99t-need-3d-tv/#comments</comments>
		<pubDate>Tue, 04 May 2010 14:01:49 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1253</guid>
		<description><![CDATA[I  have been seeing all of these commercials as of late on how you can have 3D TV  in your home.   Let me be the first to  tell you that you simply ...]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Joe vs. The Volcano</title>
		<link>http://www.yoursmartmoneymoves.com/2010/04/29/joe-vs-the-volcano/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/04/29/joe-vs-the-volcano/#comments</comments>
		<pubDate>Thu, 29 Apr 2010 13:48:47 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1236</guid>
		<description><![CDATA[For  those of you who have had friends, family members, or business colleagues held  up by the recent Icelandic volcano ash, you may wonder what the outcomes might  mean to your wallet.
Well, ...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Major Tax Change To Life Insurance And Annuities</title>
		<link>http://www.yoursmartmoneymoves.com/2010/04/26/major-tax-change-to-life-insurance-and-annuities/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/04/26/major-tax-change-to-life-insurance-and-annuities/#comments</comments>
		<pubDate>Mon, 26 Apr 2010 14:28:23 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1227</guid>
		<description><![CDATA[As  people in their 40’s, 50’s, and 60’s, consider their overall retirement plan, a  recent tax change may affect the way they think about their retirement  strategy.   It may also affect other ...]]></description>
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		<title>True Latitudes</title>
		<link>http://www.yoursmartmoneymoves.com/2010/04/21/true-latitudes/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/04/21/true-latitudes/#comments</comments>
		<pubDate>Wed, 21 Apr 2010 13:39:05 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1212</guid>
		<description><![CDATA[Have you ever dreamed of  having your own personal travel planner who could get you all of the access to  all of the cool things to see and do in the most exotic ...]]></description>
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		<title>Are business plans a waste of time?</title>
		<link>http://www.yoursmartmoneymoves.com/2010/04/06/are-business-plans-a-waste-of-time/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/04/06/are-business-plans-a-waste-of-time/#comments</comments>
		<pubDate>Tue, 06 Apr 2010 14:38:18 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1171</guid>
		<description><![CDATA[In  the past month of doing our radio program called The 40 Year Old Business  Virgin, we have met many different types of successful business owners.   One theme that seems to be arising ...]]></description>
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		<slash:comments>4</slash:comments>
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		<item>
		<title>Did the health care bill just crush my taxes?</title>
		<link>http://www.yoursmartmoneymoves.com/2010/03/30/did-the-health-care-bill-just-crush-my-taxes/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/03/30/did-the-health-care-bill-just-crush-my-taxes/#comments</comments>
		<pubDate>Tue, 30 Mar 2010 12:49:37 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[state income tax and sales tax being raised]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1154</guid>
		<description><![CDATA[Scotty, beam me up!   I say this because after reading through the  health care bill the taxes that are coming to pay for the plan will make you  feel like you are in ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2010/03/30/did-the-health-care-bill-just-crush-my-taxes/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Is it smart to get tax refund?</title>
		<link>http://www.yoursmartmoneymoves.com/2010/03/23/is-it-smart-to-get-tax-refund/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/03/23/is-it-smart-to-get-tax-refund/#comments</comments>
		<pubDate>Tue, 23 Mar 2010 13:18:05 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[Awma]]></category>
		<category><![CDATA[Business Tax Deductions]]></category>
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		<category><![CDATA[Cmfc]]></category>
		<category><![CDATA[credit card bills]]></category>
		<category><![CDATA[Crpc]]></category>
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		<category><![CDATA[Georgia Taxes]]></category>
		<category><![CDATA[Great Small Business Tax Deductions]]></category>
		<category><![CDATA[Home Repairs]]></category>
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		<category><![CDATA[Investment Vehicle]]></category>
		<category><![CDATA[Is it smart to get a tax refund]]></category>
		<category><![CDATA[Jenkin]]></category>
		<category><![CDATA[Mileage Rates]]></category>
		<category><![CDATA[Most Overlooked Tax Deductions]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
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		<category><![CDATA[Paycheck]]></category>
		<category><![CDATA[Small Business Tax Deductions]]></category>
		<category><![CDATA[Tax Changes]]></category>
		<category><![CDATA[Tax Changes For 2010]]></category>
		<category><![CDATA[Tax Planning]]></category>
		<category><![CDATA[Tax Refund]]></category>
		<category><![CDATA[Tax Time]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[The Top 10 Most Overlooked Tax Deductions]]></category>
		<category><![CDATA[withheld too much money out of your paycheck]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1133</guid>
		<description><![CDATA[Around tax time, we often  hear the question, “Is it smart to get a tax refund?”  The answer really falls into the ‘it depends’  category.
In general, I am not a big  fan ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2010/03/23/is-it-smart-to-get-tax-refund/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>What Your Restaurant Menu Won’t Tell You</title>
		<link>http://www.yoursmartmoneymoves.com/2010/03/17/what-your-restaurant-menu-won%e2%80%99t-tell-you/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/03/17/what-your-restaurant-menu-won%e2%80%99t-tell-you/#comments</comments>
		<pubDate>Wed, 17 Mar 2010 12:41:44 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[Appetizer]]></category>
		<category><![CDATA[Back to the Brown Paper Bag]]></category>
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		<category><![CDATA[Clever Strategies]]></category>
		<category><![CDATA[Different Things]]></category>
		<category><![CDATA[Dish]]></category>
		<category><![CDATA[Dishes]]></category>
		<category><![CDATA[Extra Money]]></category>
		<category><![CDATA[How to save money eating out]]></category>
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		<category><![CDATA[Incentives]]></category>
		<category><![CDATA[Left Hand Side]]></category>
		<category><![CDATA[Lobster]]></category>
		<category><![CDATA[Lunch]]></category>
		<category><![CDATA[Money Signs]]></category>
		<category><![CDATA[My 15 Year Anniversary]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[Restaurant Menu]]></category>
		<category><![CDATA[Restaurants]]></category>
		<category><![CDATA[Staggered Prices on Dining Menu]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[the greatest markup can happen in a restaurant]]></category>
		<category><![CDATA[TOP 10 Atlanta LATE NIGHT Restaurants]]></category>
		<category><![CDATA[Top Ten Late Night Cheap Eats]]></category>
		<category><![CDATA[why dining out costs so much]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1121</guid>
		<description><![CDATA[Think twice as you read your next menu.  Unbeknownst to you, the menu just might be  designed to get you to spend more money through some pretty clever  strategies.  Also, you should keep ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2010/03/17/what-your-restaurant-menu-won%e2%80%99t-tell-you/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Great Small Business Tax Deductions</title>
		<link>http://www.yoursmartmoneymoves.com/2010/03/10/great-small-business-tax-deductions/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/03/10/great-small-business-tax-deductions/#comments</comments>
		<pubDate>Wed, 10 Mar 2010 14:53:04 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[2010 Mileage Rates]]></category>
		<category><![CDATA[a first-year bonus depreciation deduction]]></category>
		<category><![CDATA[Accelerated Depreciation]]></category>
		<category><![CDATA[Auto Expenses]]></category>
		<category><![CDATA[Business Activity]]></category>
		<category><![CDATA[Business And Pleasure]]></category>
		<category><![CDATA[Business Deductions]]></category>
		<category><![CDATA[Business Portion]]></category>
		<category><![CDATA[Business Source]]></category>
		<category><![CDATA[Business Tax Deductions]]></category>
		<category><![CDATA[Car Expense]]></category>
		<category><![CDATA[Careful Attention]]></category>
		<category><![CDATA[Code Provisions]]></category>
		<category><![CDATA[common business deductions]]></category>
		<category><![CDATA[Depreciation Deductions]]></category>
		<category><![CDATA[Easily Overlooked Business Expenses]]></category>
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		<category><![CDATA[Irs Rules]]></category>
		<category><![CDATA[Personal Benefit]]></category>
		<category><![CDATA[Section 179 Deduction]]></category>
		<category><![CDATA[Small Business Tax Deductions]]></category>
		<category><![CDATA[Standard Mileage Rate]]></category>
		<category><![CDATA[Tax Changes For 2010]]></category>
		<category><![CDATA[Tax Time]]></category>
		<category><![CDATA[Taxable Profit]]></category>
		<category><![CDATA[the tax code for small business]]></category>
		<category><![CDATA[The Top 10 Most Overlooked Tax Deductions]]></category>
		<category><![CDATA[What Tax Deductions Could Go Away In The Future?]]></category>
		<category><![CDATA[your business's expenses deductions]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1071</guid>
		<description><![CDATA[Don&#8217;t miss these fourteen tax deductions for your small  business.
It&#8217;s simple: The more tax deductions your business can  legitimately take, the lower its taxable profit will be. Also, in addition to  putting ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2010/03/10/great-small-business-tax-deductions/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Life Insurance For My Children?</title>
		<link>http://www.yoursmartmoneymoves.com/2010/03/01/life-insurance-for-my-children/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/03/01/life-insurance-for-my-children/#comments</comments>
		<pubDate>Mon, 01 Mar 2010 15:20:22 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[Insurance Tips]]></category>
		<category><![CDATA[American Council Of Life Insurers]]></category>
		<category><![CDATA[Atlanta Insurance]]></category>
		<category><![CDATA[Be wary of “hypotheticals” in insurance policies!]]></category>
		<category><![CDATA[Burial Costs]]></category>
		<category><![CDATA[Buy Insurance]]></category>
		<category><![CDATA[Death Benefit]]></category>
		<category><![CDATA[Death Of A Child]]></category>
		<category><![CDATA[Do you need disability insurance?]]></category>
		<category><![CDATA[Evidence Of Insurability]]></category>
		<category><![CDATA[Funeral Expenses]]></category>
		<category><![CDATA[Georgia Life Insurance]]></category>
		<category><![CDATA[Group Benefits]]></category>
		<category><![CDATA[Life Insurance For Children]]></category>
		<category><![CDATA[Life Insurance Policy]]></category>
		<category><![CDATA[Long Term Care Insurance . . How Does It Work?]]></category>
		<category><![CDATA[Making a Budget]]></category>
		<category><![CDATA[oXYGen Financial is the Solution]]></category>
		<category><![CDATA[Oxygen Insurance]]></category>
		<category><![CDATA[Parents]]></category>
		<category><![CDATA[Premature Death]]></category>
		<category><![CDATA[probabilities of a child passing away]]></category>
		<category><![CDATA[Quality Group]]></category>
		<category><![CDATA[Schools Of Thought]]></category>
		<category><![CDATA[Ted]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[term insurance policies]]></category>
		<category><![CDATA[Top 5 Insurance Policies To Avoid]]></category>
		<category><![CDATA[Universal Insurance]]></category>
		<category><![CDATA[Universal Life Insurance]]></category>
		<category><![CDATA[Update Your Beneficiary Designations]]></category>
		<category><![CDATA[Wage Earner]]></category>
		<category><![CDATA[Wages]]></category>
		<category><![CDATA[Whole Life]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1042</guid>
		<description><![CDATA[Someone asked me the other day, “Ted, is it morbid to ask  you whether I should buy life insurance on my children?”   It was an interesting question, and one we  often get from ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2010/03/01/life-insurance-for-my-children/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>10 Most Overrated Players In The NBA</title>
		<link>http://www.yoursmartmoneymoves.com/2010/02/22/10-most-overrated-players-in-the-nba/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/02/22/10-most-overrated-players-in-the-nba/#comments</comments>
		<pubDate>Mon, 22 Feb 2010 14:01:59 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[10 Most Overrated Players In The NBA]]></category>
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		<category><![CDATA[Antwan Jamison]]></category>
		<category><![CDATA[Brandon Jennings]]></category>
		<category><![CDATA[Caron Butler]]></category>
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		<category><![CDATA[Charles Barkley]]></category>
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		<category><![CDATA[Elton Brand]]></category>
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		<category><![CDATA[Vince Carter]]></category>
		<category><![CDATA[Vince Carter’s cousin]]></category>
		<category><![CDATA[Wizardry]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1031</guid>
		<description><![CDATA[There is a big free agency year coming  up in the NBA for the summer of 2010.   While I don’t often comment  on sports, I thought I would give you my ...]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Text HELP! For Detroit</title>
		<link>http://www.yoursmartmoneymoves.com/2010/02/19/text-help-for-detroit/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/02/19/text-help-for-detroit/#comments</comments>
		<pubDate>Fri, 19 Feb 2010 14:07:49 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[American Citizens]]></category>
		<category><![CDATA[Buffalo]]></category>
		<category><![CDATA[Charitable Contributions]]></category>
		<category><![CDATA[Cities In The United States]]></category>
		<category><![CDATA[Detroit]]></category>
		<category><![CDATA[Earthquake]]></category>
		<category><![CDATA[Exact Numbers]]></category>
		<category><![CDATA[Fortune 100 Company]]></category>
		<category><![CDATA[Fringe Benefits]]></category>
		<category><![CDATA[George Clooney]]></category>
		<category><![CDATA[Help Save Cleveland]]></category>
		<category><![CDATA[Hurricane Katrina Efforts]]></category>
		<category><![CDATA[People Of Haiti]]></category>
		<category><![CDATA[Printing Money]]></category>
		<category><![CDATA[Raising Money]]></category>
		<category><![CDATA[Relief Effort]]></category>
		<category><![CDATA[relief effort come for US cities]]></category>
		<category><![CDATA[Relief Efforts]]></category>
		<category><![CDATA[Telethon]]></category>
		<category><![CDATA[Tidal Wave]]></category>
		<category><![CDATA[Unemployment Check]]></category>
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		<category><![CDATA[unemployment rate last year in Detroit]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1025</guid>
		<description><![CDATA[There isn’t a day that passes by now  where I don’t see a continued commercial for raising money to save  Haiti. I feel awful for the people of Haiti over this terrible  ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2010/02/19/text-help-for-detroit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Small Business Owners &#8211; Want to Retire?</title>
		<link>http://www.yoursmartmoneymoves.com/2010/02/17/small-business-owners-want-to-retire/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/02/17/small-business-owners-want-to-retire/#comments</comments>
		<pubDate>Wed, 17 Feb 2010 14:19:27 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[Eligible Employee]]></category>
		<category><![CDATA[Eligible Employees]]></category>
		<category><![CDATA[Employee Pension Plan]]></category>
		<category><![CDATA[Financial Institutions]]></category>
		<category><![CDATA[how to set up a SEP retirement plan account]]></category>
		<category><![CDATA[how to set up a Simplified Employee Pension Plan]]></category>
		<category><![CDATA[how to setup a SEPP]]></category>
		<category><![CDATA[Independent Contractor]]></category>
		<category><![CDATA[independent contractor retirement plans]]></category>
		<category><![CDATA[Individual Retirement Account]]></category>
		<category><![CDATA[Individual Retirement Accounts]]></category>
		<category><![CDATA[Insurance Companies]]></category>
		<category><![CDATA[Internal Revenue Service]]></category>
		<category><![CDATA[Irs Gov]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[OxygenFinancial]]></category>
		<category><![CDATA[Retirement Contributions]]></category>
		<category><![CDATA[Retirement Plan]]></category>
		<category><![CDATA[Sep Ira]]></category>
		<category><![CDATA[Sep Iras]]></category>
		<category><![CDATA[Sep Plan]]></category>
		<category><![CDATA[Seps]]></category>
		<category><![CDATA[Simplified Employee Pension]]></category>
		<category><![CDATA[Simplified Employee Pension Plan]]></category>
		<category><![CDATA[Small Business Owner]]></category>
		<category><![CDATA[small business owner retirement plans]]></category>
		<category><![CDATA[Small Business Owners]]></category>
		<category><![CDATA[Ted Jenkin]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1014</guid>
		<description><![CDATA[Can  you still set up a retirement plan for 2009 if you are a small  business owner?
If you own a small business or are just  an independent contractor, there may still be ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2010/02/17/small-business-owners-want-to-retire/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Top 5 Insurance Policies To Avoid</title>
		<link>http://www.yoursmartmoneymoves.com/2010/02/15/top-5-insurance-policies-to-avoid/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/02/15/top-5-insurance-policies-to-avoid/#comments</comments>
		<pubDate>Mon, 15 Feb 2010 14:21:00 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[Insurance Tips]]></category>
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		<category><![CDATA[Buying Insurance]]></category>
		<category><![CDATA[Credit Life Insurance]]></category>
		<category><![CDATA[Delta Flight]]></category>
		<category><![CDATA[do i need Air Travel Life Insurance]]></category>
		<category><![CDATA[do i need Credit Life Insurance]]></category>
		<category><![CDATA[do i need Mortgage Insurance]]></category>
		<category><![CDATA[do i need Private Mortgage Insurance]]></category>
		<category><![CDATA[do i need Wedding Insurance]]></category>
		<category><![CDATA[Five Insurance Policies]]></category>
		<category><![CDATA[Georgia Insurance Company]]></category>
		<category><![CDATA[Hindsight Is 20 20]]></category>
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		<category><![CDATA[insurance policy]]></category>
		<category><![CDATA[Insurance Programs]]></category>
		<category><![CDATA[Level Term Insurance]]></category>
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		<category><![CDATA[Major Insurance Companies]]></category>
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		<category><![CDATA[Oxygen Insurance]]></category>
		<category><![CDATA[Permanent Life Insurance]]></category>
		<category><![CDATA[Phone Insurance]]></category>
		<category><![CDATA[Private Mortgage Insurance]]></category>
		<category><![CDATA[Safest Form Of Travel]]></category>
		<category><![CDATA[Something Fun]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Travel Life]]></category>
		<category><![CDATA[warranty for electronics items]]></category>
		<category><![CDATA[Waste Of Money]]></category>
		<category><![CDATA[Wedding Insurance]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1006</guid>
		<description><![CDATA[Doesn’t it seem like there is always  an insurance decision to make?   Whether it is from a new purchase  you make, a decision at work, or someone calling you to buy ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tax Changes For 2010</title>
		<link>http://www.yoursmartmoneymoves.com/2010/01/18/tax-changes-for-2010/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/01/18/tax-changes-for-2010/#comments</comments>
		<pubDate>Mon, 18 Jan 2010 14:56:51 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=926</guid>
		<description><![CDATA[With  2010 rapidly approaching, you should take some time to review your  tax management strategy and get your financial plan in place.  Here  is a list of some of the important ...]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Watch out Georgia speeders!</title>
		<link>http://www.yoursmartmoneymoves.com/2010/01/13/watch-out-georgia-speeders/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/01/13/watch-out-georgia-speeders/#comments</comments>
		<pubDate>Wed, 13 Jan 2010 13:10:17 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=911</guid>
		<description><![CDATA[Attention  all speeders! Effective January 1st,  2010, the new Super Speeder Law takes effect in the State of Georgia.     This law on interstate highways could cost you as much ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Share A Taxi And Save Money</title>
		<link>http://www.yoursmartmoneymoves.com/2010/01/08/share-a-taxi-and-save-money/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/01/08/share-a-taxi-and-save-money/#comments</comments>
		<pubDate>Fri, 08 Jan 2010 12:31:07 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=906</guid>
		<description><![CDATA[I  recently stumbled across a cool website call www.taxi.to.    Here is how it works.   You enter your travel information including  name, e-mail, flight number, date of travel, and ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Update Your Beneficiary Designations</title>
		<link>http://www.yoursmartmoneymoves.com/2010/01/06/update-your-beneficiary-designations/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/01/06/update-your-beneficiary-designations/#comments</comments>
		<pubDate>Wed, 06 Jan 2010 15:08:15 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=902</guid>
		<description><![CDATA[Many  people today are experiencing significant and sometimes sweeping  changes in their family situations.   Perhaps a recent divorce,  separation, or marriage.   Or, your children have moved out on ...]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>What did it cost a decade ago?</title>
		<link>http://www.yoursmartmoneymoves.com/2010/01/04/what-did-it-cost-a-decade-ago/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/01/04/what-did-it-cost-a-decade-ago/#comments</comments>
		<pubDate>Mon, 04 Jan 2010 14:49:13 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=892</guid>
		<description><![CDATA[All I need is a bottle of Martini &#38;  Rossi Spumante, a pack of batteries, and a can of coffee.   That  is what you may have heard if Steve Martin was doing ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Top 5 Ways to Help Someone Who Is Unemployed</title>
		<link>http://www.yoursmartmoneymoves.com/2009/12/31/top-5-ways-to-help-someone-who-is-unemployed/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/12/31/top-5-ways-to-help-someone-who-is-unemployed/#comments</comments>
		<pubDate>Thu, 31 Dec 2009 15:15:16 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=888</guid>
		<description><![CDATA[With the unemployment rate continue to hover above 10%, everyone is feeling a little pinch in the wallet.  If you know someone who is currently unemployed, here are some ideas on how you could ...]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Top 10 After Christmas Deal Websites</title>
		<link>http://www.yoursmartmoneymoves.com/2009/12/28/top-10-after-christmas-deal-websites/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/12/28/top-10-after-christmas-deal-websites/#comments</comments>
		<pubDate>Mon, 28 Dec 2009 17:17:06 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=878</guid>
		<description><![CDATA[Top Ten After Christmas Shopping &#8211; Savings and Deal Websites


This  is not a be all end all list, but a few of my favorites:



www.overstock.com
www.amazon.com
www.walmart.com
www.slickdeals.net
www.dealio.com
www.become.com
www.barnesandnoble.com
www.dealhack.com
www.shoppingguru.com
www.dealnews.com

Ted  Jenkin, CFP®,  AAMS®,  AWMA®,  CRPC®,  ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Could sitcoms help you get out of debt?</title>
		<link>http://www.yoursmartmoneymoves.com/2009/12/15/could-sitcoms-help-you-get-out-of-debt/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/12/15/could-sitcoms-help-you-get-out-of-debt/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 13:55:32 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=835</guid>
		<description><![CDATA[Pop culture is poised on the precipice of a mid-season replacement lineup as networks get ready to roll out their latest offerings, hoping millions will tune into their channels. Many will watch in the hopes of sharpening their punch line delivery skills or getting a hearty chuckle.

But few viewers realize that the laughable and lovable characters we welcome into our homes once a week can actually teach us some valuable lessons about managing money and protecting our credit.

Whether they're fiscally frugal or free-spending, here's some practical advice from a few classic characters.]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Top 10 Credit Card Comparison Resource Sites</title>
		<link>http://www.yoursmartmoneymoves.com/2009/12/08/top-10-credit-card-comparison-resource-sites/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/12/08/top-10-credit-card-comparison-resource-sites/#comments</comments>
		<pubDate>Tue, 08 Dec 2009 15:23:35 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[PlasticRewards.com]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=820</guid>
		<description><![CDATA[Top 10 Compare Credit Card Sites brought to you by oXYGen Financial INC. Ted Jenkin, CFP®, AAMS®, AWMA®, CRPC®, CMFC®, CRPS® Co-CEO and Founder oXYGen Financial, Inc.]]></description>
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		<slash:comments>3</slash:comments>
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		<item>
		<title>Do Kids Need The Brand Names?</title>
		<link>http://www.yoursmartmoneymoves.com/2009/12/04/do-kids-need-the-brand-name/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/12/04/do-kids-need-the-brand-name/#comments</comments>
		<pubDate>Fri, 04 Dec 2009 14:45:57 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Do Kids Need The Brand Name]]></category>
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		<category><![CDATA[some good financial choices]]></category>
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		<category><![CDATA[very best in brand names]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=808</guid>
		<description><![CDATA[It seems like every mall or suburb strip outlet you go into today has virtually all the same stores.  What would a mall be without a GAP or an Abercrombie &#038; Fitch?   What amazes me the most is how we as parents can get caught up in making sure that our children have the very best in brand names without thinking about the price or whether it is affordable in our monthly budget.]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Ideas Worth Spreading &#8211; TEDX Peachtree Convention</title>
		<link>http://www.yoursmartmoneymoves.com/2009/11/27/ideas-worth-spreading-tedx-peachtree-convention/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/11/27/ideas-worth-spreading-tedx-peachtree-convention/#comments</comments>
		<pubDate>Fri, 27 Nov 2009 18:07:04 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Yonathan Gebreyes]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=792</guid>
		<description><![CDATA[oXYGen Financial, Inc. is a proud to sponsor the TEDXPeachtree Conference and hopes you will be joining the event on Dec. 4th 2009! Ideas Worth Spreading - TEDxPeachtree

In the spirit of ideas worth spreading, TED has created a program called TEDx. TEDx is a program of local, self-organized events that bring people together to share a TED-like experience. Our event is called TEDxPeachtree, where x=independently organized TED event. At our TEDxPeachtree event, TEDTalks videos and live speakers will combine to spark deep discussion and connection in a small group.
]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Black Friday Is Coming!</title>
		<link>http://www.yoursmartmoneymoves.com/2009/11/23/black-friday-is-coming/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/11/23/black-friday-is-coming/#comments</comments>
		<pubDate>Mon, 23 Nov 2009 14:59:00 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[100 money saving websites guide]]></category>
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		<category><![CDATA[Bargains]]></category>
		<category><![CDATA[Black Friday]]></category>
		<category><![CDATA[Black Friday websites]]></category>
		<category><![CDATA[Blackfriday]]></category>
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		<category><![CDATA[Crack]]></category>
		<category><![CDATA[Dawn]]></category>
		<category><![CDATA[Day Of The Year]]></category>
		<category><![CDATA[Dealer Member]]></category>
		<category><![CDATA[Favorite Stores]]></category>
		<category><![CDATA[Few Days]]></category>
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		<category><![CDATA[Holdiday Shopping Deals]]></category>
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		<category><![CDATA[Jenkin]]></category>
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		<category><![CDATA[Save Money Shopping]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=780</guid>
		<description><![CDATA[Black Friday Is Coming - Some of love it. Some of us don’t. Black Friday is the one day of the year where you are supposed to get the deals of a lifetime. It is the ultimate early shopping day known as Black Friday which is the day after Thanksgiving. If you are ready to wake up at the crack of dawn, you may be able to go down to one of your favorite stores to find the lowest of bargains in the market place.]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>The Top Ten Great Deal Websites</title>
		<link>http://www.yoursmartmoneymoves.com/2009/11/20/the-top-ten-great-deal-websites/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/11/20/the-top-ten-great-deal-websites/#comments</comments>
		<pubDate>Fri, 20 Nov 2009 14:39:45 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Y Generation]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=768</guid>
		<description><![CDATA[The Top Ten Great Deal Websites - Breathe Easier® About Your Financial Future - oXYGen Financial]]></description>
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		<slash:comments>4</slash:comments>
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		<item>
		<title>Do we need this type of Health Care reform?</title>
		<link>http://www.yoursmartmoneymoves.com/2009/11/13/do-we-need-this-type-of-health-care-reform/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/11/13/do-we-need-this-type-of-health-care-reform/#comments</comments>
		<pubDate>Fri, 13 Nov 2009 13:32:32 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Jenkin]]></category>
		<category><![CDATA[public health option]]></category>
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		<category><![CDATA[Tax Strategies]]></category>
		<category><![CDATA[trillion dollar health care]]></category>
		<category><![CDATA[Trillions]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=751</guid>
		<description><![CDATA[There has been much debate about the hyped up nearly trillion dollar health care reform that has been in the media every day.   Heck, I hope you like novels because the last full draft I read on the bill was over 1,000 pages.   I’m sure that you can get the condensed version on some news source which will tell you the 6 or 8 key bullet points that they think you need to know.   I wanted to let you know that I am not a huge fan of this and neither should you be when you think about the bill.]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Be wary of “hypotheticals” in insurance policies!</title>
		<link>http://www.yoursmartmoneymoves.com/2009/11/11/be-wary-of-%e2%80%9chypotheticals%e2%80%9d-in-insurance-policies/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/11/11/be-wary-of-%e2%80%9chypotheticals%e2%80%9d-in-insurance-policies/#comments</comments>
		<pubDate>Wed, 11 Nov 2009 14:15:40 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[Insurance Tips]]></category>
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		<category><![CDATA[buying into permanent insurance policies]]></category>
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		<category><![CDATA[Illustration]]></category>
		<category><![CDATA[Illustrations]]></category>
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		<category><![CDATA[Permanent Insurance]]></category>
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		<category><![CDATA[Ted Jenkin]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=745</guid>
		<description><![CDATA[Many people consider buying into permanent insurance policies.   Almost always, I see an illustration when people bring it to me with a hypothetical illustration.   On some policies these projected illustrations carry a hypothetical rate of return of 10% to project where cash value accounts will be over the next 20 to 25 years.]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Complete Stain Removal Guide</title>
		<link>http://www.yoursmartmoneymoves.com/2009/11/04/complete-stain-removal-guide/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/11/04/complete-stain-removal-guide/#comments</comments>
		<pubDate>Wed, 04 Nov 2009 12:32:13 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=735</guid>
		<description><![CDATA[The Complete Stain Removal Guide. The Basics of Stain Removal...

1. TAKE QUICK ACTION - The sooner a stain is treated the better. Time can “set” stains. Almost any stain can be removed if action is taken quickly enough, however almost any stain will become permanent if left untreated too long. Ideally, all stains should be treated within the first 24 hours.

2. BLOT &#038; SCRAPE – Whenever possible, immediately after the stain occurs, blot up any excess liquid with a paper towel or clean white cloth. Scrape solids from the fabric if the stain is dry.  Try to remove as much excess as possible before further stain treatment.]]></description>
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		<slash:comments>2</slash:comments>
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		<item>
		<title>You can’t retire by scanning Google.</title>
		<link>http://www.yoursmartmoneymoves.com/2009/11/02/you-can%e2%80%99t-retire-by-scanning-google/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/11/02/you-can%e2%80%99t-retire-by-scanning-google/#comments</comments>
		<pubDate>Mon, 02 Nov 2009 12:55:00 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=728</guid>
		<description><![CDATA[Only recently have personal savings levels risen, where just a short while ago they were the lowest since the Great Depression when unemployment was more than 25%. (USA Today)  Why is this happening?

I have a theory, and it boils down to the fact that people in the X and Y generation just don’t read anymore.   Remember when you were a kid and had to take those tests where you read a short story, and then had to answer a bunch of multiple choice questions around the story?   I didn’t fare so well on those tests, but if people had to take them today based upon what they think they learned on the internet . . . surely we would be a failing class.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should you lock in your natural gas rates?</title>
		<link>http://www.yoursmartmoneymoves.com/2009/10/27/should-you-lock-in-your-natural-gas-rates/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/10/27/should-you-lock-in-your-natural-gas-rates/#comments</comments>
		<pubDate>Tue, 27 Oct 2009 13:15:59 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Auto Pilot]]></category>
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		<category><![CDATA[Natural Gas Bills]]></category>
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		<category><![CDATA[State Of Georgia]]></category>
		<category><![CDATA[Usage Increases]]></category>
		<category><![CDATA[Variable Rate]]></category>
		<category><![CDATA[Variable Rates]]></category>
		<category><![CDATA[Winter Season]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=723</guid>
		<description><![CDATA[We have seen that natural gas rates are at an all time low.   Here are some points that I thought I would share with you for those in the state of Georgia around your natural gas bills, and the upcoming winter season ahead of us.

Point 1: With colder weather setting in, it's a good time to think about fixing your natural gas rate


Generally speaking, 6- and 12-month fixed rates are lower than variable rates right now. Based on natural gas futures prices, this is likely to remain the case through the winter when most customers' usage increases dramatically.  With rates now starting to rise, fixing your natural gas rate is an easy, effective measure that consumers can take to manage their household budgets this winter.  And that leaves more money in your pocket.]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2009/10/27/should-you-lock-in-your-natural-gas-rates/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>5 Financial Secrets to Know When You Look For a New Job</title>
		<link>http://www.yoursmartmoneymoves.com/2009/10/23/5-financial-secrets-to-know-when-you-look-for-a-new-job/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/10/23/5-financial-secrets-to-know-when-you-look-for-a-new-job/#comments</comments>
		<pubDate>Fri, 23 Oct 2009 13:59:16 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[At The Workplace]]></category>
		<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[5 Financial Secrets]]></category>
		<category><![CDATA[5 Financial Secrets to Know When You Look For a New Job]]></category>
		<category><![CDATA[Apples To Apples]]></category>
		<category><![CDATA[Dental Insurance]]></category>
		<category><![CDATA[Economic Package]]></category>
		<category><![CDATA[expenses covered by company]]></category>
		<category><![CDATA[Financial Expert]]></category>
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		<category><![CDATA[how the health insurance works]]></category>
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		<category><![CDATA[Understand the 401(k) plan]]></category>
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		<category><![CDATA[vacation and sick day rules]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=719</guid>
		<description><![CDATA[5 Financial Secrets to Know When You Look For a New Job - oXYGen Financial, Inc. co-CEO Ted Jenkin  is one of the foremost knowledgeable professionals in giving financial advice to the X and Y Generation.]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Procrastinators Beware! Listen Up!</title>
		<link>http://www.yoursmartmoneymoves.com/2009/10/19/procrastinators-beware-abf-redline/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/10/19/procrastinators-beware-abf-redline/#comments</comments>
		<pubDate>Mon, 19 Oct 2009 14:42:34 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[Epitome]]></category>
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		<category><![CDATA[Habit]]></category>
		<category><![CDATA[habit of being kinder to others]]></category>
		<category><![CDATA[hopeless to change or downright depressed]]></category>
		<category><![CDATA[Image Problem]]></category>
		<category><![CDATA[Jerk]]></category>
		<category><![CDATA[Keep your promise to yourself]]></category>
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		<category><![CDATA[Treat yourself just as you treat others]]></category>
		<category><![CDATA[www.thestresstherapist.com]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=703</guid>
		<description><![CDATA[Procrastinators:  Listen Up!
A big enabler of perpetual procrastination is what I like to call, “Southern Hospitality Syndrome.” Simply put, this is when you have a habit of being kinder to others than you care to ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>My 15 Year Anniversary</title>
		<link>http://www.yoursmartmoneymoves.com/2009/10/16/my-15-year-anniversary/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/10/16/my-15-year-anniversary/#comments</comments>
		<pubDate>Fri, 16 Oct 2009 12:52:06 +0000</pubDate>
		<dc:creator>BHGDigital</dc:creator>
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		<category><![CDATA[Culture Scene]]></category>
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		<category><![CDATA[Fifteen Years]]></category>
		<category><![CDATA[French Toast]]></category>
		<category><![CDATA[Fresh Flowers]]></category>
		<category><![CDATA[gadgets]]></category>
		<category><![CDATA[Go see a matinee movie]]></category>
		<category><![CDATA[Go to a local museum or aquarium]]></category>
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		<category><![CDATA[low budget romantic idea]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=699</guid>
		<description><![CDATA[On Friday, I celebrated my fifteen year anniversary with my wife.    I was reminded that will all of the gadgets, jewelry, clothes, and vacations you can buy with money, the best gifts in life are still free.    Although I did get something really nice for my wife, some of the most enjoyable times we have had together over our fifteen years didn’t cost a lot of money.   Here are five ideas that you can use if you are on a low budget, but you would like to do something special.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>America’s Healthy Future Act</title>
		<link>http://www.yoursmartmoneymoves.com/2009/10/15/america%e2%80%99s-healthy-future-act/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/10/15/america%e2%80%99s-healthy-future-act/#comments</comments>
		<pubDate>Thu, 15 Oct 2009 14:22:32 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[10 Percent Floor on Itemized Medical Deductions]]></category>
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		<category><![CDATA[America's Healthy Future Act]]></category>
		<category><![CDATA[Caps on FSAs]]></category>
		<category><![CDATA[Consumer Price Index]]></category>
		<category><![CDATA[Cost Insurance]]></category>
		<category><![CDATA[Cpi]]></category>
		<category><![CDATA[Elimination of Medicare Part D Deduction]]></category>
		<category><![CDATA[Excise Tax]]></category>
		<category><![CDATA[Excise Tax on High-Cost Insurance Policies]]></category>
		<category><![CDATA[Federal Payments]]></category>
		<category><![CDATA[Finance Committee]]></category>
		<category><![CDATA[Hardship Waiver]]></category>
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		<category><![CDATA[Increased Penalty for Nonqualified Distributions]]></category>
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		<category><![CDATA[Medical Deductions]]></category>
		<category><![CDATA[Medical Expenses]]></category>
		<category><![CDATA[New Requirements for Nonprofit Hospitals]]></category>
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		<category><![CDATA[Penalties on Uninsured Individuals]]></category>
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		<category><![CDATA[Urban Consumers]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=694</guid>
		<description><![CDATA[Major Provisions of Finance Committee&#8217;s America&#8217;s Healthy Future Act
(source: Taylor, English, Duma LLP)
Excise Tax on High-Cost Insurance Policies.  An excise tax of 40 percent would be imposed on insurance premiums in excess of $8,000 ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Is It Time To Change Credit Cards?</title>
		<link>http://www.yoursmartmoneymoves.com/2009/10/13/is-it-time-to-change-credit-cards/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/10/13/is-it-time-to-change-credit-cards/#comments</comments>
		<pubDate>Tue, 13 Oct 2009 13:47:21 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[Jenkin]]></category>
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		<category><![CDATA[pay the lowest rate possible]]></category>
		<category><![CDATA[pay your bills off every month]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=688</guid>
		<description><![CDATA[Here are three things to think about with your current credit card:
1)      If you pay your bills off every month, you need to find a card that will help you earn rewards or cash back.   ...]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>What do you do when you lose a spouse?</title>
		<link>http://www.yoursmartmoneymoves.com/2009/10/10/what-do-you-do-when-you-lose-a-spouse/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/10/10/what-do-you-do-when-you-lose-a-spouse/#comments</comments>
		<pubDate>Sat, 10 Oct 2009 12:56:23 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[handling the personal finances]]></category>
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		<category><![CDATA[your spouse just passed away]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=676</guid>
		<description><![CDATA[In many households, there is still one spouse who takes the dominant role in handling the personal finances for the family.   Should that spouse pass away, it leaves the other spouse with often not knowing where all the important financial documents are located, and in some cases the investment accounts that were set up by the spouse.

Here are some tips to remember if this tragic events ever happens in your family:]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Social Security – Take it Now Or Later?</title>
		<link>http://www.yoursmartmoneymoves.com/2009/10/09/social-security-%e2%80%93-take-it-now-or-later/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/10/09/social-security-%e2%80%93-take-it-now-or-later/#comments</comments>
		<pubDate>Fri, 09 Oct 2009 12:24:08 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[earn a decent living past the age of 62]]></category>
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		<category><![CDATA[When to Take Social Security]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=665</guid>
		<description><![CDATA[As many baby boomers reach or near retirement, one of the questions we are always asked about is what age should someone begin taking Social Security. The answer will truly lie in the details of your personal financial situation, but here are some key considerations to think about when making the decision.
First, you really want to consider whether or not you plan to work and earn a decent living past the age of 62.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The F.D.I.C Borrows Money?</title>
		<link>http://www.yoursmartmoneymoves.com/2009/10/08/the-f-d-i-c-borrows-money/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/10/08/the-f-d-i-c-borrows-money/#comments</comments>
		<pubDate>Thu, 08 Oct 2009 12:16:02 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[banks to borrow money]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=660</guid>
		<description><![CDATA[This past week, I was reading about the FDIC saying they needed to borrow money.   If that isn’t an oxymoron!   To boot, the FDIC was concerned that American would be worried if they started taking ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>So you wanted to have a child?</title>
		<link>http://www.yoursmartmoneymoves.com/2009/10/07/so-you-wanted-to-have-a-child/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/10/07/so-you-wanted-to-have-a-child/#comments</comments>
		<pubDate>Wed, 07 Oct 2009 13:39:23 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[cost of day care]]></category>
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		<category><![CDATA[Thinking About Having A Baby]]></category>
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		<category><![CDATA[Workforce]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=655</guid>
		<description><![CDATA[Over the last few months, I have noticed an interesting pattern happening among newly married couples. These are the young early 30’s couples who spend their 20’s growing their incomes, dining and entertaining like it was going out of style, and most importantly getting the American Dream (at least in their head) of having a $500,000 home with all of the toppings. These couples seemingly had nothing that could stand in their way of financial success.]]></description>
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		<slash:comments>2</slash:comments>
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		<item>
		<title>Roommate Issues &#8211; Just say Buxfer!</title>
		<link>http://www.yoursmartmoneymoves.com/2009/10/06/roommate-issues-just-say-buxfer/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/10/06/roommate-issues-just-say-buxfer/#comments</comments>
		<pubDate>Tue, 06 Oct 2009 14:29:45 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Roomates and Money]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=609</guid>
		<description><![CDATA[With the economy tightening, and many people living paycheck to paycheck, we are seeing a return to more roommate situations to share expenses.   This can range from the traditional 2 bedroom apartment, to a single ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Atlanta-based oXYGen Financial Featured on Rock 100.5 The Regular Guys</title>
		<link>http://www.yoursmartmoneymoves.com/2009/10/01/atlanta-based-oxygen-financial-featured-on-rock-100-5-the-regular-guys/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/10/01/atlanta-based-oxygen-financial-featured-on-rock-100-5-the-regular-guys/#comments</comments>
		<pubDate>Thu, 01 Oct 2009 12:17:22 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Ted Jenkin co-CEO and Founder of oXYGen Financial]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=590</guid>
		<description><![CDATA[oXYGen Financial, the premier boutique financial services company for generation X and generation Y is now featured every Thursday morning at 8am on Atlanta&#8217;s Rock 100.5 The Regular Guys in a segment called &#8220;How NOT ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Long Term Care Insurance . . How Does It Work?</title>
		<link>http://www.yoursmartmoneymoves.com/2009/09/29/long-term-care-insurance-how-does-it-work/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/09/29/long-term-care-insurance-how-does-it-work/#comments</comments>
		<pubDate>Tue, 29 Sep 2009 12:35:13 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[assisted-living facilities]]></category>
		<category><![CDATA[Awma]]></category>
		<category><![CDATA[basic activities of daily living]]></category>
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		<category><![CDATA[Large Portion]]></category>
		<category><![CDATA[Long Term Care]]></category>
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		<category><![CDATA[nursing homes]]></category>
		<category><![CDATA[Ongoing Care]]></category>
		<category><![CDATA[OxygenFinancial]]></category>
		<category><![CDATA[People today are living longer]]></category>
		<category><![CDATA[private homes]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Term Care Insurance]]></category>
		<category><![CDATA[What is long-term care insurance]]></category>
		<category><![CDATA[What is the cost of long term care insurance]]></category>
		<category><![CDATA[Why you need long-term care insurance (LTCI)]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=575</guid>
		<description><![CDATA[Understanding Long-Term Care Insurance-
It's a fact: People today are living longer. Although that's good news, the odds of requiring some sort of long-term care increase as you get older. And as the costs of home care, nursing homes, and assisted living escalate, you probably wonder how you're ever going to be able to afford long-term care. One solution that is gaining in popularity is long-term care insurance (LTCI).]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Paying Too Much For Car Insurance?</title>
		<link>http://www.yoursmartmoneymoves.com/2009/09/28/paying-too-much-for-car-insurance/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/09/28/paying-too-much-for-car-insurance/#comments</comments>
		<pubDate>Mon, 28 Sep 2009 14:08:00 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Raise your Insurance deductibles]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=570</guid>
		<description><![CDATA[How to Save Money on Your Auto Insurance

You may have good reason to complain about the cost of your auto insurance, but have you tried to do anything about it? If you're resourceful and willing to do a little homework, there may be plenty of ways to lower your premium. And we're not necessarily talking chump change--a few simple steps can sometimes save you hundreds of dollars a year.]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Getting Married?  So Is Your Money</title>
		<link>http://www.yoursmartmoneymoves.com/2009/09/25/getting-married-so-is-your-money/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/09/25/getting-married-so-is-your-money/#comments</comments>
		<pubDate>Fri, 25 Sep 2009 12:47:10 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[keep your finances separate]]></category>
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		<category><![CDATA[Priorities]]></category>
		<category><![CDATA[protect your assets]]></category>
		<category><![CDATA[Sake]]></category>
		<category><![CDATA[Sign a domestic partner agreement]]></category>
		<category><![CDATA[Talk about your finances]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Unmarried Couple]]></category>
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		<category><![CDATA[your partner as the beneficiary]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=553</guid>
		<description><![CDATA[Financial Tips for Unmarried Couples

If you are in a long-term, committed relationship, you have many of the same financial concerns as married couples. However, you lack many of the legal protections and advantages that married couples enjoy. Here are some tips that can help you and your partner stay on the road to financial security.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Save More For Retirement? &#8211; Think Again &#8211; 401(k) Limits</title>
		<link>http://www.yoursmartmoneymoves.com/2009/09/22/save-more-for-retirement-think-again-401k-limits/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/09/22/save-more-for-retirement-think-again-401k-limits/#comments</comments>
		<pubDate>Tue, 22 Sep 2009 16:30:03 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[At The Workplace]]></category>
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		<category><![CDATA[Ted Jenkin. oXYGenFinancial]]></category>
		<category><![CDATA[Y Generation]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=527</guid>
		<description><![CDATA[In October, the IRS will go about announcing how much you can put in your 401(k) for 2010.   For 2009, the maximum contribution is $16,500 for people under 50 years old, and $22,000 for people who are over 50 years old.   Generally, the calculation is based upon the 3rd quarter inflation rate vs. the inflation rate one year ago.]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>There is a reason 20% down should be required!</title>
		<link>http://www.yoursmartmoneymoves.com/2009/09/21/there-is-a-reason-20-down-should-be-required/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/09/21/there-is-a-reason-20-down-should-be-required/#comments</comments>
		<pubDate>Mon, 21 Sep 2009 11:02:52 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[putting 20% down on a house]]></category>
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		<category><![CDATA[Silly Rule]]></category>
		<category><![CDATA[struggling with those mortgages]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=522</guid>
		<description><![CDATA[For many years, the rule of thumb for first time homebuyers was to put 20% down when you bought your first house.   Over the past decade we saw that rule pretty much fade away.   Attracted by no money down loans, it was easy to qualify to get into a home that was likely to be several hundred thousand more in value than you could probably afford.]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Active Trader: Time to Curb Your Enthusiasm</title>
		<link>http://www.yoursmartmoneymoves.com/2009/09/15/active-trader-time-to-curb-your-enthusiasm/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/09/15/active-trader-time-to-curb-your-enthusiasm/#comments</comments>
		<pubDate>Tue, 15 Sep 2009 13:07:48 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=507</guid>
		<description><![CDATA[But this is a dangerous time, experts say, because a trader’s inflated ego can get in the way of sound investing decisions. The thrill of buying a winning stock can keep them from selling that stock and locking in profits. “The human mentality is to want to have a winner,” says Todd Salamone, senior vice president of research for Schaeffer’s Investment Research. “It’s psychologically hard to admit you’re wrong.” Meanwhile volatility, after seemingly taking the summer off, has started to return to the stock market. The CBOE Volatility Index, known as the VIX and a commonly-used guage of the market’s volatility, was as low as 22 in mid-August, but popped up above 30 last week.]]></description>
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		<title>What happens when the Unemployment Check runs out?</title>
		<link>http://www.yoursmartmoneymoves.com/2009/09/12/what-happens-when-the-unemployment-check-runs-out/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/09/12/what-happens-when-the-unemployment-check-runs-out/#comments</comments>
		<pubDate>Sat, 12 Sep 2009 12:54:58 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=494</guid>
		<description><![CDATA[With almost 1.5 million people nearing their end of the unemployment check, the big questions will be what happens next?   If we are depending on the large corporations to create new jobs, then we will be waiting for a long time.   Big companies have been spending the last year figuring out how to reduce costs in order to meet the expectations of their shareholders.   After working 16 years for a large company, I learned restructuring is just another way to say cost cutting.]]></description>
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		<title>DO YOU READ YOUR BILLS ANYMORE?   MAYBE IT IS TIME YOU SHOULD!</title>
		<link>http://www.yoursmartmoneymoves.com/2009/09/11/do-you-read-your-bills-anymore-maybe-it-is-time-you-should/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/09/11/do-you-read-your-bills-anymore-maybe-it-is-time-you-should/#comments</comments>
		<pubDate>Fri, 11 Sep 2009 12:26:24 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=488</guid>
		<description><![CDATA[Even if you on line bill pay, you better check your bills.  While all companies are needing to find ways to increase their revenues, small fees and charges may be on your monthly bills that you haven’t looked at yet.

IN this episode, another in our continuing series titled “Strange things charged online to my credit card that I didn’t ask for and can’t get refunded.”]]></description>
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		<slash:comments>1</slash:comments>
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